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FNB or HBAN or ZION
Which Stock Would AI Choose? F.N.B. Corporation (FNB) vs. Huntington Bancshares Incorporated (HBAN) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- FNB has shown relative stability in recent market activity, with shares trading around $16.46 amid digital expansions like eStore enhancements and partnerships such as with Penn State.
- HBAN faces pressure from share price declines to about $15.48, influenced by merger integrations with Veritex and Cadence, alongside increased buyback commitments.
- ZION exhibits stronger momentum, closing near $56.22, bolstered by the acquisition of Basis Multifamily Finance's agency lending business for real estate expansion.
- All three regional banks have experienced YTD declines, with HBAN down around 10-12%, but 1-year returns remain positive, led by FNB at over 20%.
- Recent weeks reflect sector volatility, with ZION outperforming peers on growth catalysts while FNB and HBAN navigate operational enhancements.
- Valuations cluster around P/E ratios of 9-11x, highlighting value in regional banking amid interest rate sensitivity.
Introduction
This stock comparison examines FNB, HBAN, and ZION, three regional banks serving diverse U.S. markets through community-focused lending, deposits, and fee-based services. These institutions offer insights into sector dynamics, including net interest margin pressures, loan growth, and expansion strategies. Traders seeking short-term momentum and investors eyeing long-term stability in financial services will find value in analyzing their relative performance, recent catalysts, and market positioning amid evolving economic conditions.
FNB Overview and Recent Performance
F.N.B. Corporation (FNB), headquartered in Pittsburgh, Pennsylvania, operates as a diversified financial holding company with segments in community banking, wealth management, and insurance. It serves consumers, businesses, and governments across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington D.C., and Virginia through First National Bank.
In recent market activity, FNB shares have traded in a narrow range around $16, reflecting resilience amid regional bank sector headwinds. Developments such as the expansion of its proprietary eStore Common application to include business loan products and a partnership naming FNB as Penn State's official retail banking provider have supported sentiment. These initiatives underscore digital transformation and client acquisition efforts, contributing to steady deposit and loan positioning. Year-to-date, shares are down modestly, but 1-year returns exceed 20%, outperforming peers on a longer horizon.
HBAN Overview and Recent Performance
Huntington Bancshares Incorporated (HBAN), based in Columbus, Ohio, functions as a bank holding company for The Huntington National Bank, delivering commercial, consumer, and mortgage banking services primarily in the Midwest and expanding into high-growth areas like Texas via acquisitions.
Recent weeks have seen HBAN shares decline to approximately $15.50, pressured by broader sector volatility and integration efforts from its Veritex Holdings merger and pending Cadence Bank deal. Management highlighted revenue synergies, deposit growth expectations, and aggressive buybacks—$550 million in 2026 and $1.2 billion in 2027—at industry conferences, aiming to retire 5% of shares by 2027. Despite YTD losses around 10-12%, these capital return plans and expansion into Texas and the Carolinas bolster long-term positioning, though execution risks temper near-term sentiment.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION), provides banking products across 11 western U.S. states including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming, emphasizing small- to medium-sized business lending and treasury management.
ZION shares have demonstrated relative strength, closing near $56 amid acquisition activity. The company agreed to acquire Basis Multifamily Finance I's agency lending business, including its team and access to Fannie Mae and Freddie Mac multifamily programs, enhancing its commercial real estate capabilities. This move supports loan diversification in a key sector. While YTD performance shows modest declines similar to peers, recent momentum and strategic growth have positioned shares favorably, with analysts noting upside potential from fee income and net interest margin stability.
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Head-to-Head Comparison
FNB, HBAN, and ZION share regional banking models reliant on net interest income, deposits, and commercial loans, but diverge in geographic footprints: FNB in the Northeast/Mid-Atlantic, HBAN Midwest/South via mergers, and ZION West with CRE emphasis. Growth drivers include FNB's digital tools and partnerships, HBAN's inorganic expansions and buybacks, versus ZION's targeted acquisitions. Recent momentum favors ZION, while all face rate sensitivity risks; FNB offers stability, HBAN scale trade-offs. Valuations are comparable at P/E 9-11x, with sentiment lifted by capital returns but tempered by sector deposit competition.
Tickeron AI Verdict
Tickeron’s AI currently favors ZION due to superior recent trend consistency, strategic real estate catalysts, and relative momentum positioning it ahead amid regional bank stabilization. While FNB provides defensive stability and HBAN merger upside, ZION's observable loan diversification offers a probabilistic edge for near-term relative outperformance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FNB’s FA Score shows that 1 FA rating(s) are green whileHBAN’s FA Score has 1 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- FNB’s FA Score: 1 green, 4 red.
- HBAN’s FA Score: 1 green, 4 red.
- ZION’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FNB’s TA Score shows that 6 TA indicator(s) are bullish while HBAN’s TA Score has 7 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- FNB’s TA Score: 6 bullish, 4 bearish.
- HBAN’s TA Score: 7 bullish, 4 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
FNB (@Regional Banks) experienced а +1.41% price change this week, while HBAN (@Regional Banks) price change was +2.87% , and ZION (@Regional Banks) price fluctuated +2.78% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
Reported Earning Dates
FNB is expected to report earnings on Jul 22, 2026.
HBAN is expected to report earnings on Apr 23, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Regional Banks (+1.58% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FNB | HBAN | ZION | |
| Capitalization | 6.38B | 34.3B | 9.23B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 5.659 | -1.894 | 7.964 |
| P/E Ratio | 11.07 | 12.12 | 10.44 |
| Revenue | 1.77B | 8.13B | 3.39B |
| Total Cash | 387M | 1.78B | 771M |
| Total Debt | 3.08B | 18.5B | 3.47B |
FNB | HBAN | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 26 | 15 | 25 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 76 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 38 | 62 | 76 | |
SMR RATING 1..100 | 11 | 7 | 9 | |
PRICE GROWTH RATING 1..100 | 45 | 49 | 18 | |
P/E GROWTH RATING 1..100 | 50 | 46 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FNB's Valuation (64) in the Regional Banks industry is in the same range as HBAN (76) and is in the same range as ZION (87). This means that FNB's stock grew similarly to HBAN’s and similarly to ZION’s over the last 12 months.
FNB's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as HBAN (62) and is somewhat better than the same rating for ZION (76). This means that FNB's stock grew similarly to HBAN’s and somewhat faster than ZION’s over the last 12 months.
HBAN's SMR Rating (7) in the Regional Banks industry is in the same range as ZION (9) and is in the same range as FNB (11). This means that HBAN's stock grew similarly to ZION’s and similarly to FNB’s over the last 12 months.
ZION's Price Growth Rating (18) in the Regional Banks industry is in the same range as FNB (45) and is in the same range as HBAN (49). This means that ZION's stock grew similarly to FNB’s and similarly to HBAN’s over the last 12 months.
ZION's P/E Growth Rating (45) in the Regional Banks industry is in the same range as HBAN (46) and is in the same range as FNB (50). This means that ZION's stock grew similarly to HBAN’s and similarly to FNB’s over the last 12 months.
| FNB | HBAN | ZION | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 70% | 2 days ago 67% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 64% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 61% | 2 days ago 72% |
| MACD ODDS (%) | 2 days ago 59% | 2 days ago 62% | 2 days ago 75% |
| TrendWeek ODDS (%) | 2 days ago 57% | 2 days ago 61% | 2 days ago 67% |
| TrendMonth ODDS (%) | 2 days ago 52% | 2 days ago 58% | 2 days ago 63% |
| Advances ODDS (%) | 10 days ago 53% | 10 days ago 62% | 4 days ago 65% |
| Declines ODDS (%) | 20 days ago 58% | 20 days ago 62% | N/A |
| BollingerBands ODDS (%) | 2 days ago 68% | 2 days ago 65% | 2 days ago 64% |
| Aroon ODDS (%) | 2 days ago 44% | 2 days ago 54% | 2 days ago 64% |
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FNB and
Correlation & Price change
A.I.dvisor indicates that over the last year, FNB has been closely correlated with ONB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNB jumps, then ONB could also see price increases.
| Ticker / NAME | Correlation To FNB | 1D Price Change % | ||
|---|---|---|---|---|
| FNB | 100% | +3.10% | ||
| ONB - FNB | 92% Closely correlated | +2.88% | ||
| WTFC - FNB | 92% Closely correlated | +2.03% | ||
| ZION - FNB | 91% Closely correlated | +1.97% | ||
| ASB - FNB | 91% Closely correlated | +2.51% | ||
| HWC - FNB | 90% Closely correlated | +3.03% | ||
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HBAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, HBAN has been closely correlated with KEY. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBAN jumps, then KEY could also see price increases.
| Ticker / NAME | Correlation To HBAN | 1D Price Change % | ||
|---|---|---|---|---|
| HBAN | 100% | +1.69% | ||
| KEY - HBAN | 90% Closely correlated | +0.60% | ||
| CFG - HBAN | 89% Closely correlated | +0.06% | ||
| RF - HBAN | 89% Closely correlated | +0.75% | ||
| FITB - HBAN | 87% Closely correlated | +1.66% | ||
| ZION - HBAN | 87% Closely correlated | +1.97% | ||
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ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +1.97% | ||
| FNB - ZION | 90% Closely correlated | +3.10% | ||
| CFG - ZION | 89% Closely correlated | +0.06% | ||
| RF - ZION | 88% Closely correlated | +0.75% | ||
| ONB - ZION | 87% Closely correlated | +2.88% | ||
| KEY - ZION | 87% Closely correlated | +0.60% | ||
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